I changed the primary beneficiary to my two DDs (50% each). Of course, if I die tomorrow, they will inherit the money and will take care of their mother, but DW will be unable to waste our money in support of criminal enterprises overseas.But does this have other consequences that I'm not taking into account?The major difference is that your daughters will face Required Minimum Distributions (RMD's) starting the year after your death, while your spouse could treat the accounts as her own. Of course, given DW's history, it probably wouldn't preserve the funds longer.PhilRule Your Retirement Home Fool
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